Voice captcha and real-time monitoring for contact centers

ABSTRACT

A call screening computing system is described that is configured to perform voice captcha and real-time monitoring of calls into a contact center of an organization. The call screening computing system includes a chat bot configured to operate as an AI-based call screener. The chat bot is configured to perform voice captcha by sending a random question to a user device placing a call into the contact center, and analyzing the received answer to determine whether a user of the user device is human or a robot. The chat bot is configured to, based on the user being human, determine whether the user is a legitimate customer of the organization by generating and presenting authentication challenges to the user device. The chat bot may be configured to monitor and interact with a conversation between the user and an agent of the organization during the call into the contact center.

TECHNICAL FIELD

The disclosure relates to computing systems, and more specifically,computer-based monitoring of interactions with computing systems.

BACKGROUND

A contact center is a facility configured to handle incoming voice callsfrom customers or potential customers of a business or organization. Onefunction of the contact center is to handle customer service inquiriesfocused on customer accounts with the organization, i.e., servicingexisting accounts and opening new accounts. Although many customerservice inquiries can be handled through online interactions (e.g., viawebsites, email, or mobile applications), for some organizations, acontact center may be regarded as necessary. Customers of banks, forexample, may prefer to speak to a live person when resolving serviceissues. A contact center may include one or more interactive voiceresponse (IVR) systems and one or more agent desktop systems used by anumber of human agents that are representatives of the business. The IVRsystems and agent desktop systems may be considered front-end systems ofthe contact center with which the customers directly interact to resolvetheir service inquiries. In addition to the front-end systems, thecontact center may also include or interact with multiple back-endsystems to access information about the organization or about existingcustomers of the organization in order to properly service a customer'svoice call.

SUMMARY

In general, this disclosure describes a call screening computing systemconfigured to perform voice captcha and real-time monitoring of callsinto a contact center of an organization. The call screening computingsystem includes a chat bot configured to operate as an artificialintelligence (AI)-based call screener. The chat bot is configured toperform voice captcha by sending a random question to a user deviceplacing a call into the contact center, and analyzing the receivedanswer to determine whether a user of the user device is human or arobot. The chat bot is also configured to, based on the user beinghuman, determine whether the user is a legitimate customer of theorganization by generating and presenting authentication challenges tothe user device. The chat bot may be further configured to monitor aconversation between the user and an agent of the organization duringthe call into the contact center to identify an intent of the call andprovide recommendations for follow-up actions to the agent of theorganization based on the identified intent. In some examples, when afraudulent intent is identified, the chat bot may be configured to mimicthe agent of the organization and take over control of the call togather additional information about the fraudulent user for future fraudprevention.

In one example, the techniques of this disclosure are directed to acomputer-implemented method comprising receiving, by a computing systemand from a user device, a call into a contact center of an organization,wherein the call requests access to an account of a customer at theorganization; prior to authenticating a user of the user device as thecustomer of the organization, sending, by the computing system and tothe user device, a random question; receiving, by the computing systemand from the user device, an answer to the random question; anddetermining, by the computing system, that the user of the user deviceis human and not a robot based on an analysis of the received answer.The method further includes, based on the user being human, generating,by the computing system, one or more authentication challenges based ona customer profile for the customer of the organization; and presenting,by the computing system and to the user device, the one or moreauthentication challenges used to authenticate the user of the userdevice as the customer of the organization.

In another example, the techniques of this disclosure are directed to acomputing system comprising one or more storage units, and one or moreprocessors in communication with the storage units. The one or moreprocessors are configured to receive, from a user device, a call into acontact center of an organization, wherein the call requests access toan account of a customer at the organization; prior to authenticating auser of the user device as the customer of the organization, send, tothe user device, a random question; receive, from the user device, ananswer to the random question; determine that the user of the userdevice is human and not a robot based on an analysis of the receivedanswer; based on the user being human, generate one or moreauthentication challenges based on a customer profile for the customerof the organization; and present, to the user device, the one or moreauthentication challenges used to authenticate the user of the userdevice as the customer of the organization.

In a further example, the techniques of this disclosure are directed toa non-transitory computer readable medium including instructions thatwhen executed cause one or more processors to receive, by a computingsystem and from a user device, a call into a contact center of anorganization, wherein the call requests access to an account of acustomer at the organization; prior to authenticating a user of the userdevice as the customer of the organization, send, by the computingsystem and to the user device, a random question; receive, by thecomputing system and from the user device, an answer to the randomquestion; determine, by the computing system, that the user of the userdevice is human and not a robot based on an analysis of the receivedanswer; based on the user being human, generate, by the computingsystem, one or more authentication challenges based on a customerprofile for the customer of the organization; and present, by thecomputing system and to the user device, the one or more authenticationchallenges used to authenticate the user of the user device as thecustomer of the organization.

The details of one or more examples of the disclosure are set forth inthe accompanying drawings and the description below. Other features,objects, and advantages of the disclosure will be apparent from thedescription and drawings, and from the claims.

BRIEF DESCRIPTION OF DRAWINGS

FIG. 1 is a block diagram illustrating an example contact center thatincludes a call screening system configured to perform voice captcha andreal-time monitoring of calls into the contact center, in accordancewith the techniques of this disclosure.

FIG. 2 is a block diagram illustrating an example of a call screeningsystem within a contact center, in accordance with the techniques ofthis disclosure.

FIG. 3 is a flowchart illustrating an example operation of a callscreening computing system within a contact center performing voicecaptcha and authentication, in accordance with the techniques of thisdisclosure.

FIG. 4 is a flowchart illustrating an example operation of a callscreening computing system within a contact center performing callmonitoring, in accordance with the techniques of this disclosure.

DETAILED DESCRIPTION

FIG. 1 is a block diagram illustrating an example contact center 12 thatincludes a call screening system 18 configured to perform voice captchaand real-time monitoring of calls into contact center 12, in accordancewith the techniques of this disclosure. As illustrated in FIG. 1,network 10 includes one or more user devices 16A-16N (collectively “userdevices 16”) in communication with contact center 12 via atelecommunications network 14.

Contact center 12 is a facility configured to handle incoming voicecalls from user devices 16 operated by users that may be customers ornon-customers of a business or organization. In some cases, contactcenter 12 may be referred to as a call center. Contact center 12includes several disparate computing systems configured to handlecustomer service inquiries focused on customer accounts with theorganization, i.e., servicing existing accounts and opening newaccounts. In some examples described in this disclosure, contact center12 may be a contact center of a bank or other financial institution.Contact center 12 may be especially useful for those customers thatprefer to speak to a live person when resolving service issues or thatfeel more comfortable sharing personal information over a voice channelthan an online channel (e.g., website, email, or mobile application).Contact center 12 may also provide certain services that may not beavailable via online channels, such as opening new accounts with theorganization.

User devices 16 may be any suitable communication or computing device,such as a conventional or landline phone, or a mobile, non-mobile,wearable, and/or non-wearable computing device capable of communicatingover telecom network 14. One or more of user devices 16 may supportcommunication services over packet-switched networks, e.g., the publicInternet, including Voice over Internet Protocol (VOIP). One or more ofuser device 16 may also support communication services overcircuit-switched networks, e.g., the public switched telephone network(PSTN).

Each of user devices 16 is operated by a user (i.e., the caller) thatmay be a customer or a non-customer of the organization that providescontact center 12. In the case of a business or corporate customer, theuser may be a representative of the business or corporate customer. Insome examples, the user may be a non-human robo-caller utilized by afraudster or bad actor. In general, each of user devices 16 mayrepresent a landline phone, a conventional mobile phone, a smart phone,a tablet computer, a computerized watch, a computerized glove or gloves,a personal digital assistant, a virtual assistant, a gaming system, amedia player, an e-book reader, a television or television platform, abicycle, automobile, or navigation, information and/or entertainmentsystem for a bicycle, automobile or other vehicle, a laptop or notebookcomputer, a desktop computer, or any other type of wearable,non-wearable, mobile, or non-mobile computing device that may performoperations in accordance with one or more aspects of the presentdisclosure.

Telecom network 14 may be a computer network (e.g., a wide area network(WAN), such as the Internet, a local area network (LAN), or a virtualprivate network (VPN)), a telephone network (e.g., the PSTN or awireless network), or another wired or wireless communication network.Although illustrated as a single entity, telecom network 14 may comprisea combination of multiple networks.

Contact center 12 may comprise a centralized or distributed network ofthe disparate computing systems made up of interconnected desktopcomputers, laptops, workstations, wireless devices, network-readyappliances, file servers, print servers, or other computing devices. Forexample, contact center 12 may comprise one or more data centersincluding a plurality of servers configured to provide account servicesinterconnected with a plurality of databases and other storagefacilities in which customer credentials, customer profiles, andcustomer accounts are stored. Contact center 12 may include both“front-end systems” with which the customers or non-customers of theorganization directly interact to resolve service inquiries, and“back-end systems” in which information about contact center 12, theorganization, or existing customers of the organization is maintained.

In the example of FIG. 1, contact center 12 includes one or moreinteractive voice response (IVR) systems 22, one or more agent desktopsystems 24 used by a number of human agents that are representatives ofthe organization, and a customer relationship management (CRM) system 26as “front-end systems.” In this example, the front-end systems may beused by the organization to interact with its customers to resolve thecustomers' service inquiries. Contact center 12 also includes callscreening system 18, a call routing system 20, a fraud prevention system28, and an optional event log system 29 as “back-end systems.” In thisexample, the back-end systems may be tools used by the organization tofacilitate the functions of contact center 12, including collecting,storing, and maintaining data used by contact center 12. In addition,contact center 12 interacts with fraud detection system 17 as another“back-end system,” which may be included in contact center 12 itself ormay be administered by a third-party network (not shown). Thearchitecture of contact center 12 illustrated in FIG. 1 is shown forexemplary purposes only and should not be limited to this architecture.In other examples, contact center 12 may include more, fewer, ordifferent computing systems configured to handle customer serviceinquiries.

In the example of FIG. 1, one of user devices 16, e.g., user device 16A,may initiate a call to contact center 12 in response to input from auser of user device 16A. User device 16A outputs a signal over telecomnetwork 14. Fraud detection system 17 may operate as a gateway tocontact center 12 by providing an initial determination of whether aninbound call is fraudulent. For example, fraud detection system 17 maycompare markers, e.g., phoneprints or voiceprints, for the inbound callto known fraudsters, and provide risk information to contact center 12.In some examples, fraud detection system 17 may be implemented usingfraud detection solutions for call centers available through Pindrop®.Fraud detection system 17 may provide a risk score or other indicationof potentially fraudulent intent for each inbound call to contact center12.

According to the techniques of this disclosure, call screening system 18of contact center 12 receives the inbound call and performs voicecaptcha (i.e., completely automated public Turing test to tell computersand humans apart) to determine whether the user of user device 16A ishuman or a robot. Call screening system 18 comprises an artificialintelligence (AI)-based call screener. For example, the AI-based callscreener of call screening system 18 may be a chat bot capable ofconducting a conversation with the user of user device 16A placing theincoming call to contact center 12.

To perform the voice captcha, call screening system 18 sends a randomquestion to user device 16A, and analyzes the received answer todetermine whether the received answer is a human response. Callscreening system 18 randomly selects the question such that the questioncannot be anticipated and, thus, robo-callers cannot be programmed toprovide an acceptable response to the question. In this way, the randomquestion requires a human response. Accordingly, the techniques of thisdisclosure may improve the technical field of user authentication andauthorization by providing a captcha technique that is applicable tovoice calls.

The analysis of the received answer may be performed based on severalfactors depending on the form of the received answer. When the receivedanswer is a touch-tone response or a verbal response, call screeningsystem 18 may determine whether the received answer is an acceptableresponse to the random question. An acceptable response may be a correctanswer to the random question, or merely an intelligible response thatprovides a wrong answer to the random question but falls into anacceptable category based on format (e.g., alpha or numeric), language,form of speech, or the like. As one example, if the random question is“What color is the sky?” then an acceptable response may be “blue,”i.e., the correct answer, or “red,” i.e., a theoretically wrong answerthat falls into the acceptable category of a color name. In thisexample, an unintelligible response may be a numeric response, e.g.,“82045,” or a response that is a different form of speech than a colorname, e.g., “yes.” When the received answer is a verbal response, callscreening system 18 may also perform voice analysis to determine whetherthe verbal response is generated by a human voice.

In the case where the user of user device 16A is determined to be arobot, call screening system 18 sends the inbound call to fraudprevention system 28. As described in more detail below, fraudprevention system 28 may apply one or more interdiction schemes to therobotic call. However, in order to provide a high-quality of customerservice to all customers of the organization, it may not be desirable tosimply drop all robotic callers as some customers may use speechsynthesizers or other robotic means to communicate verbally. Callscreening system 18, therefore, may either hold or route calls fromusers determined to be robots for further analysis to determine whetherthe robotic call is from a legitimate customer. As one example, callscreening system 18 may access a customer profile from CRM system 26 todetermine whether a phone number or other identifying information of theinbound call belongs to a customer that uses a voice synthesizer. Asanother example, call screening system 18 may route the robotic call tofraud prevention system 28 or another system in contact center 12 todetermine whether the call belongs to a customer that uses a voicesynthesizer.

In the case where the user of user device 16A is determined to be human,call screening system 18 generates one or more authentication challengesbased on a customer profile for the customer of the organizationretrieved from CRM system 26. The customer profile includes dynamic ormodifiable customer information, such as account information, contactinformation, customer preferences, and, in some cases, customer socialmedia data. The authentication challenges may comprise questions to beanswered by the user of user device 16A to be authenticated as thecustomer of the organization, where the answers to the questions arebased on the customer profile for the customer. In this way, beyondperforming voice captcha to filter out unwanted robo-callers, callscreening system 18 generates ad hoc authentication challenges forspecific customers based on the associated customer profile. These adhoc authentication challenges differ from the more traditionalgeneral-purpose authentication challenges based on static customerinformation, such as the last-four digits of the customer's socialsecurity number or the customer's mother's maiden, and, thus, may bemore difficult for a fraudster or bad actor to discover. As described inmore detail below, the authentication challenges generated by callscreening system 18 may be presented to user device 16A via the one ofIVR systems 22 or agent desktop systems 24 performing userauthentication.

Furthermore, in the case where the user of user device 16A is determinedto be human, call screening system 18 routes the inbound call to callrouting system 20. Call routing system 20 determines whether to routethe inbound call to one of IVR systems 22 or one of agent desktopsystems 24. Call routing system 20 may route calls to one of a number ofdestinations, including to IVR systems 22, agent desktop systems 24, orto other devices, users, or systems. In some examples, call routingsystem 20 may be implemented using call routing solutions availablethrough Genesys Telecommunications Laboratories. In an example whereuser device 16A requests to speak with a human agent or selects aservice that can only be performed by a human agent, call routing system20 routes the call to one of agent desktop systems 24, thereby enablingthe user of user device 16A and a human agent at the one of agentdesktop systems 24 to engage in a voice communication session, i.e., averbal conversation. In an example where user device 16A selects aservice for which an IVR program is available, call routing system 20routes the call to the appropriate one of IVR systems 22, therebyenabling the user of user device 16A to interact with the IVR program.

Authentication of the user operating user device 16A may be performed byeither an authentication IVR program provided by one of IVR systems 22or any of the human agents at agent desktop systems 24. As describedabove, the authentication challenges used to authenticate the user asthe customer of the organization may be generated by call screeningsystem 18 for presentation to user device 16A via IVR systems 22 oragent desktop systems 24. As one example, call screening system 18 maypresent the authentication challenges to the user of user device 16A asone of the prompts in the authentication IVR program of the one of IVRsystems 22. The one of IVR systems 22 may then store the responsesreceived from the user via user device 16A and, based on the responses,make a determination about whether the user of user device 16A isauthenticated as the customer or issue additional authenticationchallenges.

As an alternative example, call screening system 18 may present theauthentication challenges to a human agent at one of agent desktopsystems 24, and the human agent may, in turn, present the authenticationchallenges to the user of user device 16A during the voice communicationsession. Upon hearing the responses of the user of user device 16A, thehuman agent may make a determination about whether the user of userdevice 16A is authenticated as the customer or issue additionalauthentication challenges. In either example, the authenticationdetermination may be based on the ad hoc authentication challengesgenerated by call screening system 18 and the customer profile for thecustomer accessible from CRM system 26.

Once the user of user device 16A is authenticated as a customer of theorganization, one or more of IVR systems 22 and/or the human agents atagent desktop systems 24 may process account service inquiries receivedfrom the customer via user device 16A. In the example of a bank or otherfinancial institution, the account service inquiries may include accountbalance inquiries, most recent transaction inquiries, money transfers,opening or closing accounts, updating or resetting security credentials,changing or rebalancing investment funds, and the like. IVR systems 22and the human agents at agent desktop systems 24 may process the accountservice inquiries by accessing customer accounts and/or accessingcustomer profiles from CRM system 26.

In the example where the call is handled by a human agent at one ofagent desktop systems 24, call screening system 18 may monitor the voicecommunication session or conversation between the customer and theagent. Call screening system 18 may perform real-time analysis onaspects of the conversation using an AI engine to identify either afraudulent or a neutral intent of the conversation. In some examples,the AI engine may also provide a level of probability associated withthe identified intent, e.g., how likely is it that the AI enginecorrectly identified the intent of the call as fraudulent.

If the AI engine identifies a neutral intent, call screening system 18may send a notification message to the agent at the one of agent desktopsystems 24 that the call is likely neutral. In some examples, callscreening system 18 may include the level of probability that the callcould be fraudulent along with the neutral intent notification so thatthe agent has an understanding of the certainty associated with theintent determination. Along with a neutral intent notification, callscreening system 18 may also provide product sales recommendations forthe agent to offer to the customer during the call. Call screeningsystem 18 may generate the product sales recommendations targeted to thecustomer based on the customer profile for the customer accessible fromCRM system 26.

If the AI engine identifies a fraudulent intent, call screening system18 may send a notification message to the agent at the one of agentdesktop systems 24 that the call is potentially fraudulent, and mayprovide suggested fraud prevention actions for the agent to performduring the call with the fraudulent user. In this scenario, thefraudulent intent is identified after the user has been authenticated asthe customer of the organization, so the fraudulent user may be theactual customer or may be impersonating the actual customer of theorganization.

The fraud prevention actions suggested to the agent at the one of agentdesktop systems 24 by call screening system 18 may include taking notesor otherwise logging the fraudulent user's behavior during the call,asking the fraudulent user specific questions during the call in anattempt to obtain additional information, or transferring the call tofraud prevention system 28 of contact center 12. In some examples, thesuggested fraud prevention actions may also include transferring thecall to a chat bot of call screening system 18. In other examples, acall control transfer from the agent at the one of agent desktop systems24 to the chat bot of call screening system 18 may be triggered based onthe level of probability associated with the fraudulent intent of thecall, an unprompted transfer request by the agent at the one of agentdesktop systems 24, or some action requested by the fraudulent user.

The chat bot of call screening system 18 may mimic a human agent andcontinue the conversation with the fraudulent user of user device 16A inorder to obtain additional information about the fraudulent user. Insome scenarios, compared to a human agent or existing computing systems,the chat bot may be better able to obtain identifying or otherinformation about the fraudulent user that may be used to create a fraudprofile or signature, e.g., for future use by fraud prevention system 28and/or fraud detection system 17. Unlike a human agent or existingcomputing systems, the chat bot has access to all of the customerinformation available to the organization, e.g., account information,contact information, customer preferences, and, in some cases, customersocial media data, and has the ability to process the customerinformation and the conversation with the fraudulent user in real timeusing the AI engine. In this way, the chat bot may be better able toidentify subtle clues in the conversation with the fraudulent user, andgenerate follow-up questions specifically designed to extract usefulinformation from the fraudulent user.

Optionally, contact center 12 may further include event log system 29configured to generate an entry in a centralized event log for each callinto contact center 12. Event log system 29 is configured to gather andstore data for the call from across the plurality of disparate systemsused by contact center 12 to service the call. For example, event logsystem 29 may gather call data associated with actions performed duringthe call from the front-end systems within contact center 12, e.g., IVRsystems 22, agent desktop systems 24, and CRM system 26. Event logsystem 29 may also gather context data associated with origins of thecall from the back-end systems of contact center 12, e.g., frauddetection system 17, call screening system 18, and call routing system20. Event log system 29 may be configured to include both the call dataand the context data in the call entry in the centralized event log, andto correlate the call entry with previous call entries for the same userto provide historical call data. Event log system 29 may gather the calldata and the context data by requesting the data via applicationprogramming interfaces (APIs) for the disparate systems and/or byreceiving the data via event log software plugins installed in thedisparate systems.

In some examples, the call entry for the incoming call and any of thecorrelated call entries within the centralized event log may beaccessible by IVR systems 22, agent desktop systems 24, or any otherfront-end system for use in determining how to handle the call, e.g.,whether to continue the call as usual, or otherwise route or end thecall in the case of a potential fraud determination. In accordance withthe techniques of this disclosure, agents at agent desktop systems 24may use the call entry in the centralized event log from event logsystem 29 along with the above-described notifications and recommendedactions received from call screening system 18 to determine how tohandle a given call. In some other examples, event log system 29 itselfmay analyze the data in the call entry along with the correlated callentries within the centralized event log, and forward a pointer to thecall entry in the centralized event log to fraud prevention system 28based on a potential fraud determination.

Once a fraud determination has been made for the call by one of IVRsystem 22, agent desktop systems 24, or event log system 29, anotification may be sent to fraud prevention system 28 for applicationof one or more interdiction schemes. In some examples, the interdictionscheme applied to the call may include transferring the call to one ofagent desktop systems 24 and monitoring the resulting conversation usingcall screening system 18. In other examples, the interdiction schemeapplied to the call may be transferring the call to the chat bot of thecall screening system 18. Other interdiction schemes applied by fraudprevention system 28 may include requesting additional authenticationfrom the fraudulent user, accepting only the most secure forms ofauthentication from the fraudulent user, randomizing IVR or bankingservicing prompts, or dropping/blocking the call.

In some examples, the centralized event log maintained by event logsystem 29 may be used to train the AI engine of call screening system 18used to identify a fraudulent or neutral intent of an incoming call intocontact center 12. The AI engine may be trained using a first set oftraining data that includes the call data and the context data forprevious calls identified as being fraudulent. Once the AI engine learnsthe identifying aspects of a fraudulent call from the first set oftraining data, the AI engine may be further trained using a second setof training data that includes the call data and the context data forprevious calls identified as either fraudulent or neutral. The intentdeterminations made by the AI engine may then be compared against thesecond set of training data to determine the accuracy of the AI engine.Typically, high-level of accuracy, e.g., 90%, is required beforeimplementing the AI engine in a working system such as call screeningsystem 18. The AI engine may be periodically retrained using an updatedset of training data generated from the centralized event log of eventlog system 29 or other data.

More details with respect to the event log system may be found in U.S.patent application Ser. No. 15/905,318, filed Feb. 26, 2018, entitled“Centralized Event Log Generation and Analysis for Contact Centers,” theentire content of which is incorporated herein by reference.

FIG. 2 is a block diagram illustrating an example of a call screeningsystem 30 within a contact center of an organization, in accordance withthe techniques of this disclosure. Call screening system 30 of FIG. 2may be described as an example implementation of call screening system18 within contact center 12 of FIG. 1. One or more aspects of callscreening system 30 of FIG. 2 may be described within the context ofcontact center 12 of FIG. 1.

Call screening system 30 is configured to perform voice captcha andreal-time monitoring of calls into contact center 12. In this way, callscreening system 30 may assist human agents of the organization byinitially filtering out robo-callers, and later providingrecommendations to the agents for follow-up actions based on theidentified intent of the calls. The architecture of call screeningsystem 30 illustrated in FIG. 2 is shown for exemplary purposes only.Call screening system 30 should not be limited to the illustratedexample architecture. In other examples, call screening system 30 may beconfigured in a variety of ways.

Call screening system 30 may be implemented as any suitable computingsystem, such as one or more server computers, workstations, mainframes,appliances, cloud computing systems, and/or other computing systems thatmay be capable of performing operations and/or functions described inaccordance with one or more aspects of the present disclosure. In someexamples, call screening system 30 represents a cloud computing system,server farm, and/or server cluster (or portion thereof) that providesservices to client devices and other devices or systems. In otherexamples, call screening system 30 may represent or be implementedthrough one or more virtualized compute instances (e.g., virtualmachines, containers) of a data center, cloud computing system, serverfarm, and/or server cluster.

As shown in the example of FIG. 2, call screening system 30 includes oneor more processors 32, one or more interfaces 34, one or more storageunits 36. Call screening system 30 also includes chat bot 38, which maybe implemented as program instructions and/or data stored in storageunits 36 and executable by processors 32. Storage units 36 of callscreening system 30 may also store an operating system (not shown)executable by processors 32 to control the operation of components ofcall screening system 30. The components, units or modules of callscreening system 30 are coupled (physically, communicatively, and/oroperatively) using communication channels for inter-componentcommunications. In some examples, the communication channels may includea system bus, a network connection, an inter-process communication datastructure, or any other method for communicating data.

Processors 32, in one example, may comprise one or more processors thatare configured to implement functionality and/or process instructionsfor execution within call screening system 30. For example, processors32 may be capable of processing instructions stored by storage units 36.Processors 32 may include, for example, microprocessors, digital signalprocessors (DSPs), application specific integrated circuits (ASICs),field-programmable gate array (FPGAs), or equivalent discrete orintegrated logic circuitry, or a combination of any of the foregoingdevices or circuitry.

Storage units 36 may be configured to store information within callscreening system 30 during operation. Storage units 36 may include acomputer-readable storage medium or computer-readable storage device. Insome examples, storage units 36 include one or more of a short-termmemory or a long-term memory. Storage units 36 may include, for example,random access memories (RAM), dynamic random access memories (DRAM),static random access memories (SRAM), magnetic discs, optical discs,flash memories, or forms of electrically programmable memories (EPROM)or electrically erasable and programmable memories (EEPROM). In someexamples, storage units 36 are used to store program instructions forexecution by processors 32. Storage units 36 may be used by software orapplications running on call screening system 30 (e.g., chat bot 38) totemporarily store information during program execution.

Call screening system 30 may utilize interfaces 34 to communicate withexternal systems via one or more networks, e.g., contact center 12 ofFIG. 1. Interfaces 34 may be network interfaces (such as Ethernetinterfaces, optical transceivers, radio frequency (RF) transceivers,Wi-Fi or Bluetooth radios, or the like), telephony interfaces, or anyother type of devices that can send and receive information. In someexamples, contact center control system 30 utilizes interfaces 34 towirelessly communicate with external systems, e.g., call routing system20, IVR systems 22, agent desktop systems 24, CRM system 26, and fraudprevention system 28 of contact center 12 from FIG. 1.

In the illustrated example of FIG. 2, chat bot 38 includes anapplication programming interface (API) 40, a voice captcha unit 42, anauthentication challenge generator 44, a monitoring unit 46, and anartificial intelligence (AI) engine. In accordance with the disclosedtechniques, chat bot 38 is an AI-based call screener configured toperform voice captcha to determine whether a user of a user deviceplacing a call into contact center 12 is human or a robot. Based on theuser being human, chat bot 38 is further configured to monitor aconversation between the user and an agent of the organization duringthe call into contact center 12 to identify an intent of the call andprovide recommendations for follow-up actions to the agent of theorganization based on the identified intent.

In some examples, AI engine 48 may comprise a specialized hardwareengine configured to execute AI, machine learning, or deep learningcomputations for multiple different models. In other examples, AI engine48 may comprise an application or other software deployment configuredto execute AI, machine learning, or deep learning computations formultiple different models on processors 32. Although illustrated in FIG.2 as including a single AI engine 48, in other examples, call screeningsystem 30 may include multiple AI engines to enable chat bot 38 toanalyze and interact with voice calls into contact center 12. Inaddition, although illustrated in FIG. 2 as including a single API 40,in other examples, call screening system 30 may include a plurality ofAPIs to pull customer information from CRM system 26 and/or interactwith any of the other systems within contact center 12.

Call screening system 30 receives an inbound call into contact center 12originated by the user device. Call screening system 30 may receive theinbound call via interfaces 34, and forward the call to voice captchaunit 42 of chat bot 38. Voice captcha unit 42 of chat bot 38 isconfigured to perform voice captcha on the incoming call by sending arandom question to the user device, and analyzing the received answer todetermine whether the user of the user device is human or a robot. Inthe example illustrated in FIG. 2, voice captcha unit 42 includes arandom question unit 50 and a response analysis unit 52.

Random question unit 50 of voice captcha unit 42 may select the randomquestion to be sent to the user device from a plurality of questionsusing a random number generator. In some cases, the plurality ofquestions may be stored locally in storage units 36 of call screeningsystem 30. In that case, the plurality of questions may be simplequestions answerable by anyone, e.g., “what color is the sky,” and notnecessarily related to a specific customer of the organization. In othercases, the plurality of questions may be retrieved via either interfaces34 or API 40 from CRM system 26 of FIG. 1 or another system or storagenetwork of contact center 12. In this case, the plurality of questionsmay be customer specific and based on a customer profile for a customeridentified by a phone number or other information gleaned from theinbound call.

Upon receipt of the inbound call, random question unit 50 may generate arandom number and select the associated question from the plurality ofquestions to be sent to the user device. In this way, the selectedquestion for each inbound call is truly random and cannot be anticipatedsuch that robo-callers cannot be programmed to answer in an acceptablemanner. The use of random questions, therefore, requires a humanresponse to pass the initial screening and enter contact center 12.

Response analysis unit 52 of voice captcha unit 42 may analyze thereceived answer to the random question received from the user device todetermine whether the user of the user device is human or a robot. Inorder to identify the user as human, response analysis unit 52 maydetermine that the received answer falls into an acceptable category ofresponse to the random question regardless of whether the answer isactually a correct response to the random question. More specifically,response analysis unit 52 may use AI engine 48 to determine that thereceived answer is an acceptable response based on format (e.g., alphaor numeric), language, form of speech, or the like. For example,response analysis unit 52 may be expecting a response in the form of acolor name for the case where the random questions is “what color is thesky.” The received answer may be either a verbal or a touch-toneresponse. In the case where the answer is a verbal response, responseanalysis unit 52 may further perform voice analysis as part of the voicecaptcha to determine whether the verbal response is generated by a humanvoice or a recorded or synthesized voice.

Authentication challenge generator unit 44 of chat bot 38 is configuredto generate one or more authentication challenges for the user based ona customer profile for a customer identified by a phone number or otherinformation gleaned from the inbound call. The customer profile may beretrieved via either interfaces 34 or API 40 from CRM system 26 ofFIG. 1. Authentication challenge generator unit 44 may generate ad hocauthentication challenges for the specific customer based on dynamic ormodifiable customer information included in the customer profile, suchas account information, contact information, customer preferences, and,in some cases, customer social media data. Alternatively, authenticationchallenge generator unit 44 may randomly select one or moreauthentication challenges from a set of authentication challenges basedon the customer profile for the customer. The authentication challengesgenerated by authentication challenge generator unit 44 may be presentedto the user device via one of IVR systems 22 or agent desktop systems 24to authenticate the user of the user device as the customer of theorganization.

Monitoring unit 46 of chat bot 38 is configured to monitor aconversation between the user of the user device and an agent at one ofagent desktop systems 24 during the call into contact center 12.Monitoring unit 46 is further configured to identify an intent of themonitored call and provide recommendations for follow-up actions to theagent of the organization based on the identified intent. In someexamples, monitoring unit 46 may be used to monitor all conversationsbetween authenticated customers and agents of the organization. In otherexamples, monitoring unit 46 may only monitor conversations based on anexplicit request for monitoring by the agent of the organization or someaction requested by the customer. In the example illustrated in FIG. 2,monitoring unit 46 includes an intent determination unit 54, anotification unit 56, and a call control unit 58.

Upon receipt of a digitized version of the conversation to be monitored,intent determination unit 54 of monitoring unit 46 identifies an intentof the conversation as either fraudulent or neutral. Intentdetermination unit 54 uses AI engine 48 trained to identify fraudulentcalls into contact center 12. As described above with respect to FIG. 1,AI engine 48 may be trained using a set of training data that includesdata for previous calls identified as being fraudulent. As someexamples, AI engine 48 may be trained to identify intent based on one ormore of tone, volume, pauses or breaks in the conversation, and thelike.

Notification unit 56 of monitoring unit 46 sends notification messagesto the agent at the one of agent desktop system 24 indicating whetherthe call is fraudulent or neutral. In either case, notification unit 56may also include an indication of a level of probability that the callcould be fraudulent from intent determination unit 54. In addition tothe intent notification messages, notification unit 56 may also providerecommended follow-up actions to the agent based on the identifiedintent. In some examples, notification unit 56 may send the notificationmessages along with the recommended follow-up actions as email, text,chat, push, or pop-up messages to the one of agent desktop systems 24via interfaces 34. In other examples, notification unit 56 may send thenotification messages along with the recommended follow-up actions asaudio messages to an ear-piece of the agent that is linked to the one ofagent desktop systems 24 via interfaces 34.

In the case where the call is identified as likely neutral, notificationunit 56 may provide product sales recommendations for the agent to offerto the customer during the call. The product sales recommendations maybe determined by notification unit 56 based on the customer profile forthe customer retrieved from CRM system 26 via either interfaces 34 orAPI 40. In the case where the call is identified as likely fraudulent,notification unit 56 may provide fraud prevention actions for the agentto perform during the call. The fraud prevention actions may bedetermined by notification unit 56 based on the level of probabilityassociated with the identified fraudulent intent of the call. Forexample, a lower probability of fraud may result in recommendations thatthe agent take notes or otherwise log the fraudulent user's behaviorduring the call, or ask user specific questions during the call in anattempt to obtain additional information about the fraudulent user. Asanother example, a higher probability of fraud may result inrecommendations that the agent transfer the call to call control unit 58of monitoring unit 46 or transfer the call to fraud prevention system 28of contact center 12.

Call control unit 58 of monitoring unit 46 may take control of the callfrom the agent at the one of agent desktop systems 24 of contact center12. Call control unit 58 may use AI engine 48 to mimic a human agent andcontinue the conversation with the customer. In some examples, callcontrol unit 58 may be configured to conform to the customer's languageor regional accent in an attempt to build a rapport with the customer.In this way, call control unit 58 may provide a better user experiencefor the actual customer or, conversely, make a fraudulent userimpersonating the actual customer more likely to let their guard down.

In the case where the call is identified as likely fraudulent, callcontrol unit 58 may take control of the call to obtain additionalinformation about the fraudulent user. Call control unit 58 may retrieveall of the customer information available to the organization from CRMsystem 26 or other systems via either interfaces 34 or API 40. Callcontrol unit may then process the customer information and theconversation with the fraudulent user in real time using AI engine 48.In this way, the call control unit 58 may identify subtle clues in theconversation with the fraudulent user and generate follow-up questionsspecifically designed to extract useful information from the fraudulentuser in order to create a fraud profile or signature for future fraudprevention.

FIG. 3 is a flowchart illustrating an example operation of a callscreening computing system within a contact center performing voicecaptcha and authentication, in accordance with the techniques of thisdisclosure. The example operation of FIG. 3 is described with respect tocall screening system 30 of FIG. 2. In other examples, the operation ofFIG. 3 may be performed by call screening system 18 within contactcenter 12 of FIG. 1.

Call screening system 30 receives a call into a contact center of anorganization, e.g., contact center 12 of FIG. 1, from a user device,e.g., one of user devices, requesting access to an account of a customerat the organization (100). Prior to authenticating a user of the userdevice as the customer of the organization, chat bot 38 of callscreening system 30 sends a random question to the user device (102). Insome examples, voice captcha unit 42 of chat bot 38 may select therandom question from a plurality of questions using a random numbergenerator. The random question cannot be anticipated and, thus,robo-callers cannot be programmed to answer the question in anacceptable manner. In this way, the random question requires a humanresponse.

Chat bot 38 receives an answer to the random question from the userdevice (104), and determines whether or not the user of the user deviceis human or a robot based on an analysis of the received answer (106).In some examples, voice captcha unit 42 of chat bot 38 analyzes thereceived answer, which may be a verbal or touch-tone response, todetermine whether the received answer is an acceptable response to therandom question, indicating a human user. An acceptable response may bea correct response to the random question, or merely an intelligibleresponse to the random question. For example, voice captcha unit 42 maydetermine that the user is human based on receipt of a response that isthe wrong answer to the random question but falls into an acceptablecategory based on format (e.g., alpha or numeric), language, form ofspeech, or the like. In other examples, when the received answer to therandom question is a verbal response, voice captcha unit 42 performsvoice analysis on the verbal response to determine that the verbalresponse is generated by a human voice.

If the user is a robot (NO branch of 106), chat bot 38 sends the call toa fraud prevention system in the contact center, e.g., fraud preventionsystem 28 of contact center 12 (108). If the user is human (YES branchof 106), chat bot 38 generates one or more authentication challengesbased on a customer profile for the customer of the organization (110).The customer profile may be maintained by another system of the contactcenter, e.g., CRM system 26 of contact center 12, and include dynamic ormodifiable customer information, such as account information, contactinformation, customer preferences, and, in some cases, customer socialmedia data. In one example, authentication challenge generator 44 ofchat bot 38 generates the authentication challenges by retrieving thecustomer profile and generating questions to be answered by the user ofthe user device to be authenticated as the customer of the organization,where the answers to the questions are based on the customer profile forthe customer. In another example, authentication challenge generator 44may randomly select the one or more authentication challenges from a setof authentication challenges based on the customer profile for thecustomer.

Chat bot 38 then presents the one or more authentication challenges usedto authenticate the user of the user device as the customer of theorganization (112). In some cases, chat bot 38 of call screening system30 may perform user authentication itself based on the authenticationchallenges. In other cases, chat bot 38 may instead present theauthentication challenges used by other systems to perform userauthentication. For example, based on the user of the user device beinghuman, chat bot 38 sends the call received from the user device to acall routing system of the contact center, e.g., call routing system 20of contact center 12. The call routing system routes the call to one ofan IVR system or an agent desktop system of the contact center, e.g.,one of IVR systems 22 or agent desktop systems 24 of contact center 12.Chat bot 38 then presents the authentication challenges to the userdevice via the one of the IVR system or the agent desktop systemperforming user authentication.

FIG. 4 is a flowchart illustrating an example operation of a callscreening computing system within a contact center performing callmonitoring, in accordance with the techniques of this disclosure. Theexample operation of FIG. 4 is described with respect to call screeningsystem 30 of FIG. 2. In other examples, the operation of FIG. 4 may beperformed by call screening system 18 within contact center 12 ofFIG. 1. The example operation of FIG. 4 may follow the example operationof performing voice captcha and authentication described above withrespect to FIG. 3.

After a user of a user device calling into a contact center of anorganization, e.g., contact center 12 of FIG. 1, is authenticated as acustomer of the organization, chat bot 38 of call screening system 30monitors a conversation between the user of the user device and an agentof the organization during the call into the contact center (120). Inthe example of contact center 12 of FIG. 1, chat bot 38 may monitor aconversation between a user of one of user devices 16 and a human agentat one of agent desktop systems 24. Monitoring unit 46 of chat bot 38identifies an intent of the call based on AI engine 48 trained toidentify either fraudulent or neutral intent of calls into the contactcenter (122).

If the call has a neutral intent (NO branch of 124), monitoring unit 46notifies the agent at an agent desktop system of the contact center thatthe call is neutral (126). Monitoring unit 46 then provides productsales recommendations based on the customer profile for the customer tothe agent at the agent desktop system (128). The agent at the agentdesktop system may use the product sales recommendations to offertargeted products of the organization to the customer during the call.

If the call has a fraudulent intent (YES branch of 124), monitoring unit46 notifies the agent at an agent desktop system of the contact centerthat the call is potentially fraudulent (130). Monitoring unit 46 thenprovides fraud prevention actions for the agent at the agent desktopsystem to perform during the call (132). The fraud prevention actionsmay include taking notes or otherwise logging the fraudulent user'sbehavior during the call, asking the fraudulent user specific questionsduring the call in an attempt to obtain additional information about thefraudulent user, or transferring the call to a fraud prevention systemof the contact center, e.g., fraud prevention system 28 of contactcenter 12 of FIG. 1.

As an optional step, monitoring unit 46 may transfer control over thecall from the agent at the agent desktop system to chat bot 38 (134). Insome examples, a call control transfer may be triggered based on a levelof probability associated with the identified fraudulent intent of thecall, a transfer request by the agent at the agent desktop system, orsome action requested by the fraudulent user. Chat bot 38 may mimic ahuman agent and continue the conversation with the fraudulent user ofthe user device in order to obtain additional information about thefraudulent user. In some scenarios, because chat bot 38 has access toall of the customer information available to the organization and theability to process the customer information in real time, chat bot 38may be better able to obtain identifying or other information about thefraudulent user that may be used to create a fraud profile or signaturefor future fraud prevention.

It is to be recognized that depending on the example, certain acts orevents of any of the techniques described herein can be performed in adifferent sequence, may be added, merged, or left out altogether (e.g.,not all described acts or events are necessary for the practice of thetechniques). Moreover, in certain examples, acts or events may beperformed concurrently, e.g., through multi-threaded processing,interrupt processing, or multiple processors, rather than sequentially.

In one or more examples, the functions described may be implemented inhardware, software, firmware, or any combination thereof. If implementedin software, the functions may be stored on or transmitted over acomputer-readable medium as one or more instructions or code, andexecuted by a hardware-based processing unit. Computer-readable mediamay include computer-readable storage media, which corresponds to atangible medium such as data storage media, or communication mediaincluding any medium that facilitates transfer of a computer programfrom one place to another, e.g., according to a communication protocol.In this manner, computer-readable media generally may correspond to (1)tangible computer-readable storage media which is non-transitory or (2)a communication medium such as a signal or carrier wave. Data storagemedia may be any available media that can be accessed by one or morecomputers or one or more processors to retrieve instructions, codeand/or data structures for implementation of the techniques described inthis disclosure. A computer program product may include acomputer-readable medium.

By way of example, and not limitation, such computer-readable storagemedia can comprise RAM, ROM, EEPROM, CD-ROM or other optical diskstorage, magnetic disk storage, or other magnetic storage devices, flashmemory, or any other medium that can be used to store desired programcode in the form of instructions or data structures and that can beaccessed by a computer. Also, any connection is properly termed acomputer-readable medium. For example, if instructions are transmittedfrom a website, server, or other remote source using a coaxial cable,fiber optic cable, twisted pair, digital subscriber line (DSL), orwireless technologies such as infrared, radio, and microwave, then thecoaxial cable, fiber optic cable, twisted pair, DSL, or wirelesstechnologies such as infrared, radio, and microwave are included in thedefinition of medium. It should be understood, however, thatcomputer-readable storage media and data storage media do not includeconnections, carrier waves, signals, or other transitory media, but areinstead directed to non-transitory, tangible storage media. Disk anddisc, as used herein, includes compact disc (CD), laser disc, opticaldisc, digital versatile disc (DVD), floppy disk and Blu-ray disc, wheredisks usually reproduce data magnetically, while discs reproduce dataoptically with lasers. Combinations of the above should also be includedwithin the scope of computer-readable media.

Instructions may be executed by one or more processors, such as one ormore digital signal processors (DSPs), general purpose microprocessors,application specific integrated circuits (ASICs), field programmablegate arrays (FPGAs), or other equivalent integrated or discrete logiccircuitry, as well as any combination of such components. Accordingly,the term “processor,” as used herein may refer to any of the foregoingstructures or any other structure suitable for implementation of thetechniques described herein. In addition, in some aspects, thefunctionality described herein may be provided within dedicated hardwareand/or software modules. Also, the techniques could be fully implementedin one or more circuits or logic elements.

The techniques of this disclosure may be implemented in a wide varietyof devices or apparatuses, including a wireless communication device orwireless handset, a microprocessor, an integrated circuit (IC) or a setof ICs (e.g., a chip set). Various components, modules, or units aredescribed in this disclosure to emphasize functional aspects of devicesconfigured to perform the disclosed techniques, but do not necessarilyrequire realization by different hardware units. Rather, as describedabove, various units may be combined in a hardware unit or provided by acollection of interoperative hardware units, including one or moreprocessors as described above, in conjunction with suitable softwareand/or firmware.

Various examples have been described. These and other examples arewithin the scope of the following claims.

What is claimed is:
 1. A computer-implemented method comprising:receiving, by a computing system and from a user device, a call into acontact center of an organization, wherein the call requests access toan account of a customer at the organization; prior to authenticating auser of the user device as the customer of the organization, sending, bythe computing system and to the user device, a random question;receiving, by the computing system and from the user device, an answerto the random question; determining, by the computing system, that theuser of the user device is human and not a robot based on an analysis ofthe received answer, wherein the received answer to the random questionis a verbal response received from the user device, and whereindetermining that the user is human and not a robot comprises performingvoice analysis on the verbal response to determine that the verbalresponse is generated by a human voice; based on the user being human,generating, by the computing system, one or more authenticationchallenges based on a customer profile for the customer of theorganization; presenting, by the computing system and to the userdevice, the one or more authentication challenges used to authenticatethe user of the user device as the customer of the organization; andafter the user of the user device is authenticated as the customer ofthe organization, sending, by the computing system, the call receivedfrom the user device to one of an account service interactive voiceresponse (IVR) system or an agent desktop system of the contact center.2. The method of claim 1, wherein determining that the user is human andnot a robot comprises analyzing the received answer to determine thatthe received answer is an acceptable response to the random question. 3.The method of claim 1, further comprising selecting, by the computingsystem, the random question from a plurality of questions using a randomnumber generator.
 4. The method of claim 1, wherein generating the oneor more authentication challenges comprises: retrieving the customerprofile from another system of the contact center, wherein the customerprofile includes modifiable customer information; and generatingquestions to be answered by the user of the user device to beauthenticated as the customer of the organization, wherein answers tothe questions are based on the customer profile for the customer.
 5. Themethod of claim 1, wherein generating the one or more authenticationchallenges comprises randomly selecting the one or more authenticationchallenges from a set of authentication challenges based on the customerprofile for the customer.
 6. The method of claim 1, further comprising,based on the user of the user device being human, sending, by thecomputing system, the call received from the user device to one of anauthentication interactive voice response (IVR) system or the agentdesktop system of the contact center, wherein presenting the one or moreauthentication challenges used to authenticate the user as the customercomprises presenting, by the computing system, the one or moreauthentication challenges to the user device via the one of theauthentication IVR system or the agent desktop system.
 7. The method ofclaim 1, wherein, after the user of the user device is authenticated asthe customer of the organization and the call received from the userdevice is sent to the agent desktop system of the contact center, themethod further comprising: monitoring, by the computing system, aconversation between the user of the user device and an agent of theorganization during the call into the contact center; and identifying,by the computing system, an intent of the call based on an artificialintelligence engine trained to identify either fraudulent or neutralintent of calls into the contact center.
 8. The method of claim 7,further comprising, based on identifying a fraudulent intent of thecall, notifying, by the computing system, the agent at the agent desktopsystem of the contact center that the call is fraudulent, and providing,by the computing system and to the agent at the agent desktop system,fraud prevention actions for the agent to perform during the call. 9.The method of claim 7, further comprising, based on identifying afraudulent intent of the call, notifying, by the computing system, theagent at the agent desktop system of the contact center that the call isfraudulent, and transferring, by the computing system, control over thecall from the agent at the agent desktop system to a chat bot of thecomputing system.
 10. The method of claim 7, further comprising, basedon identifying a neutral intent of the call, notifying, by the computingsystem, the agent at the agent desktop system of the contact center thatthe call is neutral, and providing, by the computing system and to theagent at the agent desktop system, product sales recommendations basedon the customer profile for the customer.
 11. The method of claim 1,further comprising, based on the user of the user device being a robot,notifying a fraud prevention system for application of one or moreinterdiction schemes to the call received from the user device.
 12. Acomputing system comprising: one or more storage units; and one or moreprocessors in communication with the storage units and configured to:receive, from a user device, a call into a contact center of anorganization, wherein the call requests access to an account of acustomer at the organization; prior to authenticating a user of the userdevice as the customer of the organization, send, to the user device, arandom question; receive, from the user device, an answer to the randomquestion; determine that the user of the user device is human and not arobot based on an analysis of the received answer, wherein the receivedanswer to the random question is a verbal response received from theuser device, and wherein, to determine that the user is human and not arobot, the one or more processors are configured to perform voiceanalysis on the verbal response to determine that the verbal response isgenerated by a human voice; based on the user being human, generate oneor more authentication challenges based on a customer profile for thecustomer of the organization; present, to the user device, the one ormore authentication challenges used to authenticate the user of the userdevice as the customer of the organization; and after the user of theuser device is authenticated as the customer of the organization, sendthe call received from the user device to one of an account serviceinteractive voice response (IVR) system or an agent desktop system ofthe contact center.
 13. The computing system of claim 12, wherein, todetermine that the user is human and not a robot, the one or moreprocessors are configured to analyze the received answer to determinethat the received answer is an acceptable response to the randomquestion.
 14. The computing system of claim 12, wherein the one or moreprocessors are configured to select the random question from a pluralityof questions using a random number generator.
 15. The computing systemof claim 12, wherein, to generate the one or more authenticationchallenges, the one or more processors are configured to: retrieve thecustomer profile from another system of the contact center, wherein thecustomer profile includes modifiable customer information; and generatequestions to be answered by the user of the user device to beauthenticated as the customer of the organization, wherein answers tothe questions are based on the customer profile for the customer. 16.The computing system of claim 12, wherein, to generate the one or moreauthentication challenges, the one or more processors are configured torandomly select the one or more authentication challenges from a set ofauthentication challenges based on the customer profile for thecustomer.
 17. The computing system of claim 12, wherein the one or moreprocessors are configured to, based on the user of the user device beinghuman, send the call received from the user device to one of anauthentication interactive voice response (IVR) system or the agentdesktop system of the contact center, wherein the one or more processorsare configured to present the one or more authentication challenges tothe user device via the one of the authentication IVR system or theagent desktop system.
 18. The computing system of claim 12, wherein theone or more processors are configured to, after the user of the userdevice is authenticated as the customer of the organization and the callreceived from the user device is sent to the agent desktop system of thecontact center: monitor a conversation between the user of the userdevice and an agent of the organization during the call into the contactcenter; and identify an intent of the call based on an artificialintelligence engine trained to identify either fraudulent or neutralintent of calls into the contact center.
 19. The computing system ofclaim 18, wherein the one or more processors are configured to, based onidentifying a fraudulent intent of the call, notify the agent at theagent desktop system of the contact center that the call is fraudulent,and provide, to the agent at the agent desktop system, fraud preventionactions for the agent to perform during the call.
 20. The computingsystem of claim 18, wherein the one or more processors are configuredto, based on identifying a fraudulent intent of the call, notify theagent at the agent desktop system of the contact center that the call isfraudulent, and transfer control over the call from the agent at theagent desktop system to a chat bot of the computing system.
 21. Thecomputing system of claim 18, wherein the one or more processors areconfigured to, based on identifying a neutral intent of the call, notifythe agent at the agent desktop system of the contact center that thecall is neutral, and provide, to the agent at the agent desktop system,product sales recommendations based on the customer profile for thecustomer.
 22. The computing system of claim 12, wherein the one or moreprocessors are configured to, based on the user of the user device beinga robot, notify a fraud prevention system for application of one or moreinterdiction schemes to the call received from the user device.
 23. Anon-transitory computer readable medium including instructions that whenexecuted cause one or more processors to: receive, by a computing systemand from a user device, a call into a contact center of an organization,wherein the call requests access to an account of a customer at theorganization; prior to authenticating a user of the user device as thecustomer of the organization, send, by the computing system and to theuser device, a random question; receive, by the computing system andfrom the user device, an answer to the random question; determine, bythe computing system, that the user of the user device is human and nota robot based on an analysis of the received answer, wherein thereceived answer to the random question is a verbal response receivedfrom the user device, and wherein, to determine that the user is humanand not a robot, the instructions cause the one or more processors toperform voice analysis on the verbal response to determine that theverbal response is generated by a human voice; based on the user beinghuman, generate, by the computing system, one or more authenticationchallenges based on a customer profile for the customer of theorganization; present, by the computing system and to the user device,the one or more authentication challenges used to authenticate the userof the user device as the customer of the organization; and after theuser of the user device is authenticated as the customer of theorganization, send the call received from the user device to one of anaccount service interactive voice response (IVR) system or an agentdesktop system of the contact center.